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Realty411Guide.com PAGE 3 • 2017 reWEALTHmag.com
PUBLISHER
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contents
10 Publisher’s Letter: It’s Time for a Mid-Year Review
12 Approaches to Negotiation: Tips & Techniques
16 Atlanta: Rich With Renters by Kathy Fettke
21 Three Offbeat Investments to Consider
22 20/20 REI Prepares for Big Business in Texas
27 The Trump Economy: An Emphasis on America
28 #SumrokStyle: Live Free & Fun with Apartment
Investing. Learn with Brad & Jennifer Sumrok
31 Double-Digit Returns is Possible with Leverage
34 Discover the All New BREIA / MD-REIA
37 The Truth About Income & Real Estate Investing
40 Marco Santarelli Pinpoints Top National Markets
51 - 88 Private Money411 Featuring Texas Pride
Lending, plus Meet the Leaders of Finance
89 Be a Maverick, Do It Different by Paul Finck
92 What Investors Should Be Demanding Now
from Property Management by Pam Blanco
95 #TheConnector - A New Investor Emerges
99 Laura Alemery: An Educator on a Mission
105 Protect Your Assets Now with Fortune DNA
109 Your Worth is Beyond Compare with Sam Sadat
110 Money Mindset and Your Bank Account Balance
115 Armando Montelongo Reclaims His Throne
118 Randy Hughes Explains Why a Trust Works
pg. 77
pg. 35
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47
pg. 47
pg. 35
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JECT TO RISK, INCLUDING THE LOSS OF PRINCIPAL. CLIENTS ARE ADVISED TO PERFORM OR FACILITATE THEIR OWN DUE DILIGENCE WHEN INVESTING. THE INFORMA-
TION CONTAINED HEREIN DOES NOT CONSTITUTE LEGAL OR TAX ADVICE AND SHOULD NOT BE CONSTRUED TO APPLY TO ANY INDIVIDUAL PERSON OR SITUATION. EACH
PERSON SHOULD CONSULT WITH HIS OR HER OWN PERSONAL TAX ADVISOR, FINANCIAL PLANNER, ATTORNEY OR ACCOUNTANT WITH RESPECT TO SUCH INDIVIDUAL’S
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Goals Will Be Reached
Review the Past, Learn, Let Go
LINDA’S LETTER
Linda Pliagas, Publisher
T
hank you for joining us for
another exciting issue! If
you’ve been following us for a
few years, you will notice this is our
largest magazine yet. At 124 pages,
it is a remarkable increase from our
premiere publication 10 years ago.
This magazine has grown steadily
around the country and globally, with
a force fueled by my dual life-long
passions: media and real estate.
My mission is simply to share in-
formation, which can expand knowl-
edge, increase motivation, and create
a positive impact in our industry.
Positive energy attracts the like, and
now, even more exciting things are
in motion, such as our collaboration
with top celebrity rehab stars from
HGTV (Home & Garden Television),
the country’s leading cable network for
real estate entertainment.
Last year, we featured Clint Harp,
from Fixer Upper at our expo in Texas.
(Client now has his own show, Wood
Work, on the DIY (Do It Yourself)
Network.
This fall, we are proud to host four
HGTV celebrity rehabbers: The mother/
daughter duo from Good Bones, as
well as the identical twins from Listed
Sisters. In addition, recently a producer
reached out to me to assist him with a
new project, Property Pitch.
Now, we have a creative treatment,
which he wrote and registered with the
Writer’s Guild of America.
Life is exciting! I’m reaching my
goals, and I hope you are as well. It is
important to note that on our quest for
success, we will encounter obstacles...
mainly our own Self. As we move
forward, we tend to review the past and
wish we could erase mistakes.
We all have things we would like to
redo. It’s important to give yourself per-
mission to review the past, learn from it,
then... let it go. Move forward to accept
the new opportunities in store. Thanks
again for your support, and if I can help
you in any way, please let me know.
Follow on Facebook, Twitter, and Instagram
PhotobyJohnDeCindis
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START OUT EARLY
Negotiations begin at the first
encounter (e.g., phone inquiry).
Many people think the initial
pleasantries are just that, and the
formal negotiations will begin
later. Not so.
The superior negotiator will
have already begun gathering
information and setting expec-
tations. Start early so you don’t
have to catch up.
THE THREE ELEMENT
There are three elements to any
negotiation: 1) Information, 2)
STRATEGY
Approaches to
REAL ESTATE
NEGOTIATION
ARTICLE BY BRUCE KELLOGG
INTRODUCTION
Negotiation, unfortunately, is not taught much to real estate profes-
sionals, or to investors. International, corporate, and purchasing
courses exist, even to the extent of Master’s degrees, but real estate
has not received the same coverage. This article aims to help that. Continued on pg. 16

How to Own Real Estate
In this class you will learn to dominate the banks,
own multiple properties,eliminate your mortgages in ten
years and start with very little cash flow.
Without Mortgages
How to Own Real Estate
In this class you will learn to dominate the banks,
own multiple properties,eliminate your mortgages in ten
years and start with very little cash flow.
Without Mortgages
OUR EXPERT SPEAKER Over the past 15 years, national consultant, speaker
and educator, Matthew Pillmore has presented financial education national-
ly for and in front of countless real estate organizations. He speaks nationally
on the topics of credit scoring, debt elimination, fiscal responsibility and
strategic cash flow maximization. Mr. Pillmore has studied under the found-
ers of the FICO credit scoring system. We have countless testimonials and
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Time, and 3) Power. These will be described below.
GATHER INFORMATION
The negotiator who gathers the most information
usually has an advantage. Interview people, obtain
reports, do inspections, use the MLS (Multiple-Listing
Service) and other online resources. Hire a private
investigator on the seller if the deal is large enough,
looking for vulnerabilities (e.g., bitter divorce). You
can’t know too much.
THE FACTOR OF TIME
It helps to know if the other party has any time
constraints, along with your own, of course. Pending
foreclosure, divorce, condemnation proceedings are
some examples. If the property is “a steal”, scoop it
up fast. If it’s priced at or above “market”, then “grind
real slow”. Use time to your advantage.
THE FACTOR OF POWER
In some negotiations the power levels are uneven. One
party has more leverage over the other. Seasoned ne-
gotiators assess power levels and devise strategies to
take these into account. Then, even the weaker party
can optimize its outcome.
BE GENEROUS WHEN SELLING
Some sellers believe in “Win-Lose” negotiating. They
want “top dollah”. This apparent greed and intransi-
gence grates on everyone involved, sometimes to the
extent of legal action or retaliation. Be generous when
selling. Paint that bedroom. Purchase a Home Protec-
tion Plan for those first-time buyers. You’re on your
way to wealth.
DON’T BE CHEAP!
Keep your word. Perform everything you’ve agreed
to do. And smile as you do it, even if the deal is going
against you and you are taking a loss. Don’t whine.
Smile. Builds character….and your reputation.
THE “CONCESSION PATTERN”
In the back-and-forth of negotiations, your “con-
cession pattern” is very important because it sets up
expectations in the other party. Always negotiate fairly
tightly. Don’t concede too much because the other par-
ty will see that as an opening to seek more. Go back-
and-forth more times if need be. Try to set things up
so you take the other party’s counteroffer rather than
force them to take yours. This way they will feel
they won, and you will have less trouble with them
the rest of the way. And, please, don’t arbitrarily
“split the difference”. Amateur negotiators do that.
“SHARP PRACTICES”
The day will come, if it hasn’t already, when the oth-
er party will bring “sharp practices” to the table. If
these are illegal (e.g., undisclosed money back after
the close), call them on it, and refuse to participate.
If these are not exactly illegal, then counter them as
best you can, or walk away. Life is too short, and
your reputation is too important. Always “take the
high road” in negotiations.
RE-NEGOTIATING AFTER INSPECTIONS
Y’all know to re-negotiate after property inspec-
tions, right? ‘Thought so.
READING LIST
Included on the next page is a list of “Recommended
Reading.” Buy all of them, used. Read and highlight
them. Then, once a year, re-read the highlights. You
owe it to your clients, and yourself, to be in tip-top
shape a as a negotiator. v
Bruce Kellogg has been a REALTOR®
and investor for 35 years. He has trans-
acted about 500 properties for cli-
ents, and about 300 properties for him-
self in 12 California counties. These
include 14 units, 5+ apartments, offic-
es, mixeduse buildings, land, lots, mo-
bile homes, cabins, and church-
es. He is available for listing, sell-
ing, consulting, mentoring, and partner-
ing. Reach him at brucekellogg10@gmail.
com, or (408) 489-0131.
Gather Information:
The negotiator who
gathers the most
information usually
has an advantage.

APPROACHESTOREINEGOTIATION
Recommended Reading by Bruce Kellogg
• Negotiate This, Herb Cohen, 2003
• Everything Negotiable, Eric Wm. Skopec and
Laree S. Kiely, 1994
• Guerrilla Negotiating, Jay Conrad Levinson,
Mark S. A. Smith, and Orvel Ray Wilson, 1999
• The Negotiating Game, Chester Karrass, 1992
• The Only Negotiating Guide You’ll Ever Need,
Peter J. Stark and Jane Flaherty, 2003
• Seal the Deal, Leonard Koren and Peter Good-
man, 1991
• You Can Negotiate Anything, Herb Cohen, 1980
• How to Win Friends and Influence People,
Dale Carnegie, 1936
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KATHY

Atlanta Suburbs:
RICH with RENTERS
MARKETS
W
e’ve heard a lot
about millennials
pouring into to
city centers as
they chase after
jobs, social connections, luxury
apartments and condos, and the
benefits of the sharing economy. But
a new report shows that the biggest
U.S. metros are experiencing a renter
“boom” in the suburbs -- and Rent-
Cafe says suburban Atlanta is at the
top of that list.
That’s creating new opportunities
for investors looking for single-fam-
ily rentals with low prices and high
returns, and Atlanta is a great place
to find them. Atlanta was a superhot
market for the single-family investor
just a few years ago, but popular
neighborhoods got a little too popu-
lar and prices rose. Other neighbor-
hoods hadn’t recovered enough to
draw interest. As the wheel turns for
real estate hot spots, neighborhoods
that were shunned before, are look-
ing better now and many of those
great locations are in the suburbs.
What’s Happening
in the Suburbs?
The RentCafe report says it looks at
Census data for a 5-year period, from
2011 through 2015. And, it found
that urban centers have not gained
as many renters as we’ve come to be-
lieve. It says the numbers show that
suburban areas gained substantially
more renter households than their
urban counterparts in 19 out of the
20 metros it reviewed.
In Atlanta, the data shows a net gain
of 52,300 suburban renter households
during that time frame. That’s a 26%
increase in those households. That’s a
huge number of additional renters in
just a 5-year-period. Atlanta’s urban
area only gained 15,100 renters which
reflects a 10% increase.
Suburban rent growth was so
strong in Atlanta, St. Louis, Riverside
County California, and Boston, it was
“three” times that of their more urban
counterparts. RentCafe says of the
20 metros areas it studied, suburban
areas gained about 700,000 new renter
households in that 5-year period. City
centers in those same areas gained
about 600,000. In Riverside County
the percentage of suburban renter
growth was lower than Atlanta but the
overall number of new renter house-
holds was much higher, at 60,500. Just
18,500 renter households were added
in urban areas. Chicago also saw sub-
stantial suburban renter growth, along
with Miami, and Dallas.
RentCafe says the main reason for
the shift is “cheaper rents”. Renters
are also getting more family-friend-
ly neighborhoods with garden-style
apartment communities. They are also
finding that schools are usually better
in the suburbs, neighborhoods are
quieter, and their living expenses take
a smaller bite out of their paycheck.
RentCafe says that an analysis of the
Yardi Matrix database shows that
renters save about 11% or a month’s
worth of rent if they move to the sub-
urbs, based on average rents in the 20
areas studied.
Kathy Fettke is Co-CEO of Real
Wealth Network and best selling
author of Retire Rich with Rentals.
She is an active real estate inves-
tor, licensed real estate agent, and
former mortgage broker, specializing
in helping people build multi-million
dollar real estate portfolios that
generate passive monthly cash flow
for life. With a passion for research-
ing real estate market cycles, Kathy
is a frequent guest expert on CNN,
CNBC, Fox, Bloomberg, NPR,
CBS MarketWatch and the Wall
Street Journal. She was also named
among the “Top 100 Most Intriguing
Entrepreneurs” by Goldman Sachs
two years in a row. Kathy hosts two
podcasts, The Real Wealth Show and
Real Estate News for Investors —
both top ten podcasts on iTunes with
listeners in 27 different countries.
Her company, Real Wealth Network,
offers free resources and cutting
edge education for beginning and
experienced real estate investors.
Kathy is passionate about teaching
others how to create “real wealth,”
which she defines as having both the
time and the money to live life on
your terms.

What’s Going on
in “Hotlanta”?
It’s bustling with life, people are
finding jobs, and the city is making
some big quality-of-life improve-
ments. Atlanta is undergoing a big
redevelopment plan. That’s contrib-
uting to those jobs and making the
city a more attractive place to be.
Just to give you an idea of the
kinds of things Atlanta is doing,
there’s a huge project underway
called the “Atlanta Beltline”. It’s
a project that will connect 45 city
neighborhoods with a 22-mile loop
of multi-use trails, streetcars, and
parks. The Beltline website says it
has received several awards as for
its visionary approach to making the
city more walkable, bikeable, and
oriented toward public transit. The
project is making use of long forgot-
ten rail lines that circled the city.
There’s also the former Bell-
wood Quarry that is being turned
into a huge park and reservoir. You
may have seen the stunning granite
quarry walls and bright blue tint of
the water in scenes for “The Hunger
Games”, “The Walking Dead”, and
“Stranger Things”. The city is in-
vesting at least $300 million dollars
to turn the water-filled quarry into
a 2.4 billion gallon reservoir. When
it’s done, it’s expected to hold a 30-
day supply of drinking water for 1.2
million people. Once the reservoir
is finished, the city will develop the
surrounding 300 acres as the city’s
largest park. The new Westside Res-
ervoir Park will also be connected to
the city via the Beltline.
There’s also the conversion of the
former Fort McPherson Army base
into a huge movie studio complex.
African American filmmaker Tyler
Perry bought the historic 330-acre
piece of real estate in 2015 and is
turning it into the latest version of
his Tyler Perry Studio. The L.A.
Times reports that when it’s done
later this year, it will be one of the
largest studios in the country. The
paper also says that Tyler hopes
to create 3 to 4,000 news jobs at
the studio, and recruit people from
low-income parts of Atlanta.
Major upgrades are also coming
to one of Martin Luther King Junior
Drive which runs right through the
city center -- past the state capi-
tal, the historic Atlanta University
Center, and the Georgia Dome. It’s
a 12-mile stretch that has become
an eyesore with old or abandoned
buildings in need of repair. The city
plans to convert the 4-lane road
into two traffic lanes, and two for
bicycles. There will also be new
roundabouts, plant-filled medians,
small parks, and new pedestrian
crosswalks.
And then there are two new sports
stadiums in the making. Both the
Falcons and the Braves are building
new stadiums. That’s expected to
bring tens of thousands of new jobs
to the city. And the city is already
experiencing job growth that’s high-
er than the nation’s average.
The latest report from the U.S.
Department of Labor shows that
Atlanta experienced a 3.6% growth
rate for non-farm jobs in the last
year. Jobs for the professional and
business services industry grew the
most at 4.6%. That’s well above
the 3% growth rate for that sector
nationally.
Percentage of Suburban
Renter Growth
These are just a few things go-
ing on in “Hotlanta”. As for the
percentage of suburban rent growth
for the other areas, Phoenix and
Riverside County came in with a
23% increase. Tampa, Dallas, and
Minneapolis range from 18% down
to 15% growth in suburban renters.
Detroit, Miami, and Denver expe-
rienced a 14% renter growth rate in
the suburbs. Houston, Washington,
D.C., and Seattle were all at 13%.
Chicago was at 12%. San Francisco
at 10%. San Diego and St. Louis
were at 9%. Los Angeles, Boston,
New York, and Philadelphia were
at the bottom of the list with a 7%
to 3% suburban rental growth.
The Real Wealth Network offers
opportunities for investors to own
single-family rentals in several of
those suburban markets. We will
be talking about opportunities in
suburban Atlanta at some of our
upcoming live events. For infor-
mation about our calander, visit
Realwealthnetwork.com and just
click on the “learn” tab and then the
“live events” tab. v

G
ene Guarino has
found a real es-
tate investment
niche, which can
more than double the cash
flow potential of a property.
How does he do it? Could
it work for you too?
Gene started investing in
real estate at 18 years old.
He has done everything
from fix and flip, buy and
hold, wholesaling, com-
mercial and everything in
between.  Fifteen years
ago, he stumbled on a way
to super-size rents and
net investment income as
he was problem-solving
a challenge for his own
family. Now, he’s teaching
his solution to investors all around
the world.
> SUPPLY & DEMAND >
There are around 77 million
boomers turning 65.  With 10,000
people a day turning 65 and 4,000
turning 85 years old each day.  In
fact, this “Super senior” group is
the fastest-growing demographic in
America.
As we continue to live longer,
the over 85 population is expected
to surge by 300% in the next few
years; 70% of these retirees and
seniors are going to need help with
their activities of daily living or
ADLs. They will need a place to
live and many will also need assis-
tance with their ADLs. 
The demand and need is huge
now, and it is an unstoppable wave
of opportunity.
> CREATIVE PROBLEM
SOLVING >
Gene Guarino experienced this for
himself, firsthand.  When his mother
needed this type of assisted living
help. She didn’t like the ‘big box’
offerings out there. Neither did Gene. 
He wanted to ensure his mom was
taken care of in a “home-like” atmo-
sphere.  
It isn’t always practical or logis-
tically possible for us to give them
~ While Helping Others~
HowToSUPER-SIZEYourRents,
Continued on pg. 24
article by:
Tim
Houghten
what they want and take care
of the rest of our families.
Gene’s mom wanted to keep
living in a regular home. Liv-
ing alone just wasn’t viable,
and didn’t make sense, as
will be the case for millions
of others.
As with all other great
innovations, Gene stumbled
on his life’s calling, and an
innovative solution for in-
vestors, by solving this need
he felt firsthand: “Significant
residual income and helping
other people”
Today, Gene trains thou-
sands of real estate investors
to secure their own great
retirement, while helping
others live well during theirs.
For some that may include their
own parents.
What he discovered was the
ability to acquire, convert and
operate a residential assisted living
home in a single-family home.  It
gives residents not only the aid they
need, but also a far more comfort-
able and friendly space to live, with
good company. Those things can
be priceless at that age, and for the
peace of mind for family members,
and may not only help extend life,
but keep it enjoyable as well.
The average resident at an RAL
home in the US pays $3,600 per
month to stay there. It will have
6, 8, 10, 12 or even 16 or more
National Speaker, Educator and Founder of
the Residential Assisted Living Academy

W
hen most people think of investing
in real estate, homes, mini-malls, or
apartment buildings may come to
mind first. However, that's only the
tip of the real estate investment iceberg. Consider
the following offbeat real estate investing opportu-
nities. These investments can provide a significant
return in the long run and may very well alter your
financial future.
1. RECREATIONAL VEHICLES (RV)
Believe it or not, RV rentals and sales
is a very big market. With baby
boomers leaning into retirement and
young families seeking a way to
lessen their vacation costs, many
people are willing to buy or rent
an RV.
• If you're hoping to purchase an RV to save money
on your family vacations, keep the RV until it makes
sense to sell it. Make routine cosmetic updates to the
RV throughout the years to match the expectations of
buyers.
• Consider renting out the RV for a profit. The RV rental
market is hungry with renters, but is much undeserved.
You can easily rent out a class C motor home for
7-nights for a minimum of $125 per night! If you're
fully booked every week out of the year, you can earn
$46,000 in just one year!
• For a class A RV you can charge in upwards of $200
per night, or $1,400 for a seven-day week,
which equates to $73,000 over the course of
a fully booked year. Pop-up campers can be
rented for as much as $75 per night - or just
over $27,000 for a fully-booked year. >
STRATEGY
3 OFFBEAT
Investments
to Considerby Dr. Teresa Martin, Esq.
Realty411Guide.com PAGE 21 • 2017 reWEALTHmag.
com

MEETYOUR REIANYC LEADER
Teresa R Martin, Esq - Founder/Counsel
D
r. Teresa R. Martin, Esq. is a sought-after
attorney, real estate broker, real estate and
financial health coach, keynote speaker,
author, consultant, and a Dave Ramsey Master
Coach. As principal of her own practice, she
has honed her skills in the areas of residential &
commercial real estate transactions, foreclosure
defense litigation and credit restoration services.
In addition to being an attorney, Teresa wears
the hat of a seasoned real estate investor with a
focus on creative acquisition strategies. Strate-
gies that she developed, implemented and taught
to others through her role as Counsel/Founder
of Real Estate Investors Association NYC (“REIA
NYC”) and as Director and past President of the
New York Chapter of Better Investing, the na-
tion’s largest non-profit organization dedicated to
investment education.
Her legal experience, coupled with her pas-
sion for financial ministry and consumer edu-
cation, led her to join and complete her Group
Leader training with Fellowship of Companies for
Christ International (“FCCI”) in 2005. She con-
tinues to use her God-given gifts to encourage,
equip and help others understand sound financial
biblical principles through Generational Wealth
Zone, a conduit for the everyday person to
achieve financial freedom through tutelage in the
areas of financial literacy, business ownership,
real estate and stock market investing.
Teresa has appeared as a legal and real
estate expert on
Voice of Ameri-
ca, Real Estate
Straight Talk
and numerous
radio programs.
She has been
featured in such
publications as
Money magazine
and Diva Zone
magazine and
more. Email:
tmartin@reianyc.
org
• Even if you're only able to rent out your RV for two
weeks out of the month for $125 per night, you're
able to earn $23,000 per year!
2. SELF-STORAGE
Self-storage is a big industry. The shaky state of the
economy may be partially to blame, as the number of
multi-generation homes and families downsizing their
living quarters are increasing.
• The Self Storage Association reports that one in ten
families rent out-of-home storage space. Typically,
units rent between $50 per month for a small unit to
over $200 for a sizeable storage unit.
• The cost of purchasing a self-storage facility varies
widely. It can cost as little as $200,000 or as much
as $3,000,000 depending on the size, location and
demand for the service in the area.
• Keep in mind, aside from the mortgage, there is still
overhead. Utilities must be operating in order to keep
the storage facility at an acceptable temperature; this
is to avoid ruined personal property. Also, employees
might be necessary, as well as a security system. But
as a whole, the investment generates fairly passive
income.
3. ONLINE REAL ESTATE
Online real estate, otherwise known as websites,
requires very little investment and can typically gen-
erate a good ROI over time. Traditionally real estate
is thought of as tangible, but don't disregard the earn-
ing power of online property. When you consider that
Candy.com sold for over $5 million dollars, online
real estate has the potential for astronomical returns.
Continued on pg. 24

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creation starting at around $15 for a quality article.
• The key to making money online is having high
quality and a high quantity of content, in addition to
moneymaking streams like marketing other compa-
ny's products, on-site advertising, or product sales.
There you have it — three markets where the compe-
tition isn't very fierce and the bar of entry is relatively
low. By investing in any one of the three offbeat
investments mentioned, you'll have the opportunity to
maximize your investment dollar. And over time, you
may be able to transform your investment into a fully
expanded business. v
Three Offbeat Investments to Consider, pg. 22
residents.  After all expenses including the cost of the
real estate, the net monthly profit can be $5,000 to
$15,000.  Some of that may be funded from long-term
care insurance, government assistance, insurance poli-
cies, savings and investments or even the sale of a family
home.  When you focus on just the private pay residents
and not the Medicare or government assisted residents,
you can be netting $10,000 to $25,000 per month. 
If you just want to own the real estate and lease that to
the operator of the RAL home, you can typically charge
up to twice the normal or fair market rent.  The lease will
typically be a long-term lease of 3 - 5 years with renew-
als of 3 - 5 years. That makes for a significant cash flow.
That easily has the potential to generate multiple times
the average market rent of a given property that may oth-
erwise be leased annually to another individual. With just
one of these tenants, investors could be doubling their
gross income. This also happens to be extremely import-
ant to investors who are now finding they are facing high
property prices, peaking rents, and rising interest rates.
> FIND THE RIGHT FIT >
According to Gene Guarino there are several ways to
implement this strategy, including:
1. ACQUIRING EXISTING ASSETS
Although rarely available due to being such strong
cash-flow generating investments, there may be some of
these existing facilities available for purchase as turnkey
operations. That means plugging right into an existing
stream of income, and immediate returns.
2. ACQUIRING & REPOSITIONING HOMES
Most investors will probably find that they can create
the most value by acquiring and repositioning homes
with this strategy themselves. There may be licenses and
regulations to follow, depending on where the property is
located, but the upside can be hugely profitable.
3. NEW BUILDS, NEW OPPORTUNITIES
With property prices rising, but interest rates
reasonable for now, some investors may apply this
strategy by custom-building their own facilities from
the ground up. This can provide a new and attractive
product, with little maintenance requirements, and
perhaps even greater equity.
> LEARN MORE, EARN MORE >
Gene has been training thousands of individuals on
how they can apply these strategies themselves. We
caught up with him after a recent trip to Central Amer-
ica where he had been training and educating expats
in Belize, Panama, and Mexico about how they can do
it in their own communities. His US-based students
now have residential investments like this in at least 13
states.
This training and education is provided through the
Residential Assisted Living Academy, which delivers
both live and online training. Online training teaches
the RAL Formula through modules like How To Turn
A Single Family Home Into A Cash Flow Machine,
Find It, Fund It, Fill It, and Running Your Business. 
The 3-Day FAST TRACK is a live training experi-
ence that includes touring his RAL certified homes and
learning the business from the inside out.
Find out more at http://RALAcademy.com/ or
call 480.704.3065
How to Super-Size Your Rents, pg. 20

MOVING TO
TEXAS
Big Business
Discover Why Companies are Exiting the West
Coast and Staking Ground in the Lone Star State,
Giving 2020 REI a Hometown Advantage. >>

C
ompanies are moving to Texas in
droves. Toyota is relocating hun-
dreds of their employees to their new
headquarters in Plano, Texas by May
15th. The biggest online retailer in
the world, Amazon, recently moved
a major portion of their distribution
center to North Texas. That is just the tip of the iceberg.
If you think moving to the Lone Star State is just a
passing fad, just ask State Farm, Liberty Mutual, Fed
EX, and Jamba Juice. The business gold rush has begun
and they are all coming to Texas. Why? Let’s break it
down.
First and foremost, doing business has never been
easier. It’s more about business growth than anything
else. “Businesses are sick and tired of being over-taxed
and over-regulated and are making the economically
sensible choice to move to Texas,” said John Wittman,
deputy press secretary for Texas Gov. Greg Abbott’s
Office.
The timing is simply perfect in Texas as both corpo-
rate relocation and real estate demand rises at the same
time. “When so many large corporations are lining up
to move to Texas, there is going to be a shortage of
actual real estate available,” said Marcus Reynolds, VP
of Investor Relations for 2020 REI.
“Texas is a very business-friendly state for compa-
nies to move to. Among the essential benefits for this
migration to Texas include no state income tax, a strong
economy, steady job market, and affordable housing.”
California is losing out to Texas as corporations
flee higher tax rates and stringent regulations. “I was
raised in California and couldn’t imagine a better place
to be but in 2011, I realized that the cost of living was
so out of reach my family and I decided to make the
move to Texas,” said Abe Romero, VP of Marketing
for 2020 REI. “If I would have known what I know
now, I would have bought as much Texas real estate as
humanly possible.”
Texas has always been bigger and better but that
statement has never been truer for real estate investors.
“Texas is an out-of-state investor’s dream,” said Tim
Herriage, CEO of 2020 REI. “Real estate investors can
come in and fix and flip or purchase and rent for much
greater returns than nearly anywhere in the country.
Our state is in such high demand that it is not un-
common for my company to buy a property and then
find a buyer who will pay 20% more than we paid for it
within the same day.”
Real estate has for the most part paid higher returns
than the stock market. It’s a way for those who want to
invest to take advantage of an asset that has historical-
ly outperformed Wall Street. “At the end of the day,
we feel great about the service we provide,” said Tim.
“We are an investors one-stop shop for Texas. We
offer comprehensive in house services for investors
of all sizes and scopes. 2020 and its companies have
helped investors sell one home, or sell two dozen; and
then flipped roles to help an out-of-state fund acquire
hundreds of homes using our licensed real estate
agents. We have the unique ability of being able to
leverage our in-house finance team, full-service real
estate agency, and experienced direct investment
teams to provide a complete ecosystem for those
wanting to invest in Texas.”
2020 REI was founded to live up to its mission; to
provide world-class customer support with the highest
level of integrity. “Our team is transacting more
than $10MM per month in Texas investment proper-
ty,” said Herriage. “Investable Realty is expanding
beyond Dallas to service more of the state, and it is
always exciting when we are able to help investors
meet their goals, while achieving our own. I encour-
age investors of all levels to contact our team, and let
us show you why we are the premier one-stop shop
for real estate investing in Texas.” v
To learn more about 2020 REI and how they can
help you grow your real estate investment business,
please call or text at 972-382-7866 or email us at
sales@2020rei.com
Texas is a very
favorable state
for companies to
move to along
with hard work-
ing Americans.
‘
’

The �ming is
simply perfect in
Texas as both
corporate
reloca�on and real
estate demand
rises at the same
�me. “When so
many large
corpora�ons are
lining up to move
to Texas, there is
going to be a
shortage of actual
real estate
available,” said
estor Rela�ons for 2020
ss friendly state for
mong the essen�al benefits
nclude no state income
dy job market, and
exas as corpora�ons flee
ent regula�ons. “I was
ldn’t imagine a be�er
ealized that the cost of
my family and I decided to
aid Abe Romero, VP of
I would have known what I
ught as much Texas real
.”
er and be�er but that
truer for real estate
of-state investors dream,”
2020 REI. “Real estate
fix and flip or purchase and rent for
nearly anywhere in the country. Our
d that it is not uncommon for my
stop shop for
Texas. We offer
comprehensive
in house services
for investors of
all sizes and
scopes. 2020 and its companies have helped
investors sell one home, or sell two dozen; and then
flipped roles to help an out of state fund acquire
leverage our
in-house
finance team,
full service real
estate agency,
and experienced
direct
investment
teams to provide
a complete
ecosystem for
those wan�ng to
invest in Texas.”
2020 REI was
founded to live
up to its
mission; to
provide world
class customer
support with the
highest level of
integrity. “Our team is transac�ng more than $10MM
per month in Texas investment property” said
Herriage. “Investable Realty is expanding beyond
Dallas to service more of the state, and it is always
exci�ng when we are able to help investors meet their
goals, while achieving our own. I encourage investors of all level
to contact our team, and let us show you why we are the premier
one-stop shop for real estate inves�ng in Texas.”
Texas real estate
as humanly
possible.
ry
te
es
ard
Real estate
investors can
come in and fix
and flip or
purchase and
rent for much
greater returns
than nearly
anywhere in
the country.
2000 homes. He is
passionate about helping
other real estate investors
achieve success”
Marcus Reynolds is VP of
Investor Relations at 2020
REI. He is an expert at finding
stabilized turnkey properties
for investors who want to
grow their portfolio through
passive real estate
investments.
Abe Romero is VP of
Marketing for 2020 REI and
brings 20 years of marketing
experience to the
organization. He is
passionate about working in
the real estate industry and
helping investors better
understand the market.
o Texas
or’s Dream
‘Real estate investors can
come in and fix and flip or
purchase and rent for much
greater returns than nearly
anywhere in the country.’
‘Real estate investors can
come in and fix and flip or
purchase and rent for much
greater returns than nearly
anywhere in the country.’
MARCUS REYNOLDS
is VP of Investor Rela-
tions at 2020 REI. He is
an expert at sourcing
'stabilized turnkey
investment proper-
ties' for investors who
plan to strategically
grow their investment
portfolio.
ABE ROMERO is VP
of Marketing for 2020
REI and brings 20 years
of marketing experi-
ence to the organiza-
tion. He is passionate
about working in the
real estate industry
and helping investors
better understand the
market.
ted and are making the
ce to move to Texas,” said
s secretary for Texas Gov.
The �ming is
simply perfect in
Texas as both
corporate
reloca�on and real
estate demand
rises at the same
�me. “When so
many large
corpora�ons are
lining up to move
to Texas, there is
going to be a
shortage of actual
real estate
available,” said
estor Rela�ons for 2020
ss friendly state for
mong the essen�al benefits
nclude no state income
dy job market, and
exas as corpora�ons flee
nt regula�ons. “I was
ldn’t imagine a be�er
ealized that the cost of
my family and I decided to
aid Abe Romero, VP of
I would have known what I
ught as much Texas real
.”
er and be�er but that
truer for real estate
of-state investors dream,”
020 REI. “Real estate
fix and flip or purchase and rent for
nearly anywhere in the country. Our
d that it is not uncommon for my
provide,” said
Tim. “We are an
investors one
stop shop for
Texas. We offer
comprehensive
in house services
for investors of
all sizes and
scopes. 2020 and its companies have helped
investors sell one home, or sell two dozen; and then
flipped roles to help an out of state fund acquire
leverage our
in-house
finance team,
full service real
estate agency,
and experienced
direct
investment
teams to provide
a complete
ecosystem for
those wan�ng to
invest in Texas.”
2020 REI was
founded to live
up to its
mission; to
provide world
class customer
support with the
highest level of
integrity. “Our team is transac�ng more than $10MM
per month in Texas investment property” said
Herriage. “Investable Realty is expanding beyond
Dallas to service more of the state, and it is always
exci�ng when we are able to help investors meet their
goals, while achieving our own. I encourage investors of all level
to contact our team, and let us show you why we are the premier
one-stop shop for real estate inves�ng in Texas.”
bought as much
Texas real estate
as humanly
possible.
ry
te
es
ard
Real estate
investors can
come in and fix
and flip or
purchase and
rent for much
greater returns
than nearly
anywhere in
the country.
Tim Herriage has 12 years
experience in the single
family real estate industry
and has purchased over
2000 homes. He is
passionate about helping
other real estate investors
achieve success”
Marcus Reynolds is VP of
Investor Relations at 2020
REI. He is an expert at finding
stabilized turnkey properties
for investors who want to
grow their portfolio through
passive real estate
investments.
Abe Romero is VP of
Marketing for 2020 REI and
brings 20 years of marketing
experience to the
organization. He is
passionate about working in
the real estate industry and
helping investors better
understand the market.
TIM HERRIAGE has
15 years’ experience
in the single family
real estate industry
and has purchased
nearly 2000 homes.
He is passionate
about helping other
real estate investors
achieve success.

W
e’re wading into the
Trump Economy. How
do we survive and thrive
in these new times?
It no longer matters whether we loved
or hated the idea of Trump winning the
election. He’s in the White House. Instead
of allowing our emotions to hang on the
puppet strings of big media, what we all
need to focus on is what is really happening
off-screen, and how we can get out in front
of it, and make smart investment decisions.
THE BIG SHAKE UP
Some big shake ups have happened: The
firing of many government officials and
What’s next for
America, the real
estate market and
global investors?
THE#TRUMPECONOMY
Continued on pg. 30
An economic analysis by Tim Houghten

the reversal of numerous Obama-era policies. Brace
yourself: More change seems imminent. Focusing
on the facts; what we do know is that there has
been a big shift in both the energy sector and jobs.
It appears that there is now far more support for old
energy. That includes support for the Keystone XL
pipeline and entrenched automakers. Several major
auto manufacturers have already pledged to reverse
direction, and expand plants and jobs in the US, to
the tune of billions of dollars in investment, and tens
of thousands of jobs. That’s on top of the almost
300,000 jobs added in February 2017, which beat
estimates by almost 30%.
Infrastructure investment, a stronger job market,
and hopefully rising wages, could all lay a great
foundation, and become a launch pad for a far more
robust American economy in the years ahead.
THE REAL ESTATE PRESIDENT
If there is one thing that virtually everyone can agree
on, it is that Trump should be great for real estate.
One must assume
he ought to act
in the interest of
his main passion
and investment of
choice.
The real estate
market is going
strong with foreclo-
sures down, inven-
tory tightening and
interest rates still
being historically
low. Funding crite-
ria is also loosening
up with stated loans
and other creative
funding products
returning. Despite
all the tales of bank-
ruptcies, the con-
spiracy theories and
fake news, Trump
remains a real estate
legend. That belief
has already shown up in the market
This fresh confidence in the market has set off a
new surge. The idling market, which had appeared
set for a dip, got wings in January, setting a 10-year
record for home sales, according to NAR (National
Association of REALTORS®). Wells Fargo and the
National Association of Home Builders simultane-
ously reported a bump in sentiment, and new highs
in home buyer activity, with a bright outlook for
President Trump has been very vocal about easing
the ability to lend and borrow, specifically for
home buyers and small businesses.

2017. Buyers are shopping, investors are hunting
for deals, sellers are listing high, and real estate and
mortgage professionals and businesses are injecting
masses of capital into new marketing campaigns to
claim a share of the action.
The general consensus is that this flurry of confi-
dence and activity will carry the market through the
majority of the next four to eight years and beyond.
LENDING CAPS
The rise of property
values and transaction
activity may only be
hindered by access to
credit and affordabil-
ity. President Trump
has been very vocal
about easing the ability
to lend and borrow,
specifically for home
buyers and small
businesses. A return to the ‘good old days’ of easy
sub-prime lending might be welcomed by many. Yet,
banks and big funds have already established new
channels for putting capital to work, and avoiding the
risk of direct consumer lending. They are currently
far happier loaning to real estate investors than retail
home buyers, and that’s showing up in underwriting
and mortgage approvals.
Some investment property lenders are again offer-
ing 100% financing and stated income loans. That’s a
combo most home buyers may have to
wait a little longer for. Meanwhile Fan-
nie Mae and Freddie Mac have public-
ly announced that they intend to loan
billions this year, as they blow through
lending caps, thanks to exemptions for
‘affordable’ housing projects.
Hopefully the powers that be will
be able to gracefully maintain balance
Continued on pg. 122

T
he art of transacting real estate
investments for generating
income, and why investing in
rental property may not be the
move for you, yet…
Real estate is absolutely the corner-
stone of wealth. It is highly reliable, and
an essential element for building and
preserving finances. However, some
find getting started, and getting the
results they hoped for, is a challenge.
Over the last 22 years of coaching
and training investors, I’ve found that
comes down to three main things.
1. Getting lost in the different invest-
ment options
2. Making it more complicated than it
needs to be
3. Failing to have a solid action plan
MYTHS & MISCONCEPTIONS
ABOUT REAL ESTATE INVESTING
* MYTH 1:
There is One Superior Way to Invest
One of the biggest hurdles today is not only the
increasing number of real estate websites and gu-
rus out there, but that so many are more focused
on sales, rather than
true education.
Too many try to
promise that their
strategy is ‘the superior’
solution.
The truth is that
wholesaling, fixing and
flipping houses, private
lending, and investing
in rental properties can
all work. I’ve personal-
ly done all of these. I
still do today. The best
strategy really comes
down to your personal
preferences, your time-
line, capacity to invest,
and goals.
Some people love
rehabbing houses and
would do it regardless of
the money. Others just want a completely hands-free
way to invest and would never dream of taking on a
DIY project for any amount of money. For many it is a
matter of the right strategy at the right moment, and
diversifying and moving up over time.
* MYTH 2:
You’ve Got to Do a Lot of Deals
How many houses does someone
need to own or flip per month to live a
comfortable life?
See most people I encounter think
they must do five to 10 houses per month.
Then they just get daunted by the size of
that, or they set unrealistic goals, which
diffuses their motivation, and they never
get started.
It’s true that there are investors and
business owners out there hustling, doing
10, 20 or more deals a month. Big goals
The Truth About Income
& Real Estate Investing
>
BY SENSEI GILLILAND

are great. Yet, most don’t need to do anywhere
near that. Every deal is different. But if you could
make $5,000 wholesaling a property, or $50,000
flipping a house, or $500 a month on a rental,
how many would you really need to live well?
Two wholesale deals a month would make
you over $100,000 per year. Rehabbing and
flipping a house every 2 months could pocket you
$300,000 per year.
Ten modest rentals could give you $50,000 in
passive income per year. Or you could loan your
capital to some good house flippers as a private
lender and make 10% returns, and beat the pants
off the performance most are getting in the stock
market.
* MYTH 3: You Should Focus on
Building the Biggest Stash of Cash
Having big figures on your bank statements,
a six-figure 401(k) balance, and a home safe
stuffed with cash might make you feel great.
There are definitely benefits of having liquidity
and some serious reserves. Yet, no matter how
much you’ve got, you can burn through it fast.
Check out the stats and you’ll find the average
retirement account balances dives around 50%
within the first five years of retirement. Today
we’ve got to be prepared to live 30 plus years
after retirement age. We also need to be pre-
pared to survive and provide, even if we can’t get
up and go to work tomorrow. Ongoing passive
income streams are far more valuable than
cash in the bank.
I’d rather have just $100,000 in the bank
and $100,000 in perpetual annual income
from rentals, than having $1M in the bank,
and no passive income sources.
* CREATING A BATTLE PLAN
Whether you need $70,000 or $700,000 a year to
life comfortably and afford the lifestyle you want and to
sustain it, you need a plan. If you are starting out with
nothing, then you may need to start with wholesaling,
and then move up to fixing and flipping, and then invest
that capital through private lending and acquiring in-
come producing rentals. Or maybe if you already have
some capital or properties, you just need to restructure
your portfolio to optimize your cash flow and wealth-
building potential.
It doesn’t have to be that complicated or confus-
ing. It can take work and hustle, but if you are pas-
sionate about your goals, you
can achieve them through real
estate. It’s all about having a
plan that’s right and that works
for you.
That’s what I do. I help inves-
tors, from brand new beginners
to those with established portfo-
lios, to create a straightforward
step-by-step battle plan to get
where they really want to go, in
a way they can stick to.
If you are not sure exactly
what the right way to start is, or
if you are getting the most out
of your investments, then visit
and setup a free strategy session, with me, and
I’d be glad to show you how I’ve helped thou-
sands of others get on the financial path they
always dreamed of. v

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TheAmazingStoryBehind
Brad&JenniferSumrok’s
REALESTATESUCCESS
What’sitliketoachieve FINANCIAL FREEDOM throughrealestateinvestment?
Live FREE Have FUN with
MULTIFAMILY INCOME

THE WORLD IS
YOUR OYSTER
Brad and Jennifer Sumrok are always
on the go: From traveling around the
world, to teaching students nation-
ally and having homes in two states.
We caught up with Brad one recent
afternoon as his wife prepared some
healthy shakes in the background.
The financially independent couple
were getting ready to take off to
Hong Kong and Thailand for a 24-
day birthday getaway.
The Sumroks have a second home
in the sunny Gulf Coast of Florida,
but say they get away internationally
at least two times each year. Re-
cently that includes destinations like
Italy, Costa Rica, and Machu Picchu
in Peru.
Though Brad says one of his most
memorable excursions was taking
his dad on his dream vacation — a
13-day cruise and land exploration
of Alaska, for his 80th birthday.
On another occasion Brad took off
to live in Mexico for six weeks to
immerse himself in the culture and
learn Spanish.
THE KEYS
TO FREEDOM
For the Sumroks, financial freedom
came from investing in Multifamily
real estate. Brad says that in 2003
he found a mentor who taught him
about real estate and financial inde-
pendence. In under three years, Brad
replaced his six-figure
corporate income and put
$1M in his pocket from
his investments and quit
his job. He was just 38
years old. What do you do
when you don’t have to
work to survive anymore,
especially starting at such
a young age?
While you’ll find
Brad Sumrok’s popular
Facebook profile rich in
travel pics, workout vid-
eos, and his investment
properties, Brad says
that he really found
his gift in teaching
others how to master
investing in apartment
buildings for passive
income.
Although he had
rarely spoken on
stage prior to getting
into real estate he says “when you are
led to something, when you are living
in your passion, and area of mastery,
you are not really working.” Add-
ing that what he does now is simply
“sharing life experience and transfer-
ring that mastery,” to his students.
APARTMENT
INVESTOR MASTERY
Brad Sumrok currently hosts three
weekend training events in Texas
each year. These March, July, and
November events attract hundreds
of attendees from all over the United
States, and beyond. Over 400 guests
visited the March 2017 weekend,
which combines live training and
loading up in buses to get out and
look at active multifamily property
deals.
As of early 2017, Mr. Sumrok per-
sonally owned property in five states,
and six different property markets.
In the last year his students acquired
29 multifamily complexes, in 11
markets, totaling 2,885 units, worth
Brad Sumrok quit his corporate job in 2005, thanks to investing
in multifamily real estate. He’ll never go back to the rat race,
because he and his wife live life on their own terms and have
more freedom and income than when he had a job.

STUDENTS’STORIES
<<<
“In less than 10 months
after attending Brad’s train-
ing, we led the purchase of
214 units in Oklahoma for
$7,350,000. Brad’s Mento-
ring Program made every-
thing so easy for us.”
- Tariq Sattar and
Iven Vien
>>>
“We joined Brad’s Program
and were surprised at how
quickly things happened for us.
We followed Brad’s process and
closed on two buildings total-
ing 128 units in New Mexico.
Following Brad’s system made
it so easy!”
- Monick and Peter Halm
(with partner Chris Rush)
(Above): Brad and Jennifer Sumrok produce
and host multifamily property tours, which
have grown to become one of the most popular
tours in the industry.
SUMROK’SSUCCESSSUMROK’SSUCCESS
(Above): Brad’s Weekend Apartment Investor
Training in Dallas with over 400 attendees
from all over North America and the world.
Realty411Guide.com PAGE 37• 2017 reWEALTHmag.com
>>>
“Brad helped us buy a 32-unit property that initially cash-
flowed over $3,000 per month. After 3 years, we refinanced
and pulled out $450,000 tax-free! We still own it, have over
$600,000 equity, and cash flow over $3,000 per month. This
one deal changed our lives.” - Phyllis and Ken Salverson
>>>
Brad, aka:“The
Apartment King,”
is surrounded by
fun-loving ladies
who are also
successful apart-
ment investing
students.
<<< “I was an absolute
beginner who purchased a
32-unit property with seven
other investors I met in
Brad’s Program. Two years
later we sold the property
and the investors more than
doubled their money.”
- Tom Lafferty

$133M.
Brad says there are three main
types of attendees at his events. This
includes: active single-family home
investors who are feeling the pain
of daily management and trying to
scale, and passive investors who
have capital to work with and want
hands-free, cash-flowing opportu-
nities.
Or like him in 2002 — the
educated corporate workers who
may have some savings, but have
never been taught about being an
investor or business owner, and who
may want to skip over single-family
investing and start immediately as a
multifamily investor, either buying
large deals as a Syndicator or small-
er deals with their own money.
While his weekend training
events are held in Texas, the strat-
egies taught there can be applied
anywhere in the US, as demonstrat-
ed by many of Brad’s students and
Brad himself who buy in different
US markets.
Brad says that while he enjoys
world travel he believes success
comes when you “invest in what
you know, and where you know,”
and that area of mastery for this edu-
cator is in US apartment buildings.
While this may sound complicat-
ed or a big move to make, attendees
love Brad’s ability to break it down
and make it simple. For those who
can commit a few hours per week,
achieving their own financial free-
dom can be a realistic and attainable
goal as well.
ENRICHING PEOPLE
CHANGING MANY LIVES
Those interested in finding out more
about Brad and his events can do so
online at ApartmentInvestorMastery.
com or BradSumrok.com. Then it’s
up to each individual and family
to decide how they will flex their
freedom. For the Sumroks, it isn’t
just travel and education, but also
increasingly enriching others’ lives.
What will you do with your freedom?

#SUMROKSTYLE
SEE THE WORLD
Recently that has included help-
ing family members realize their
dreams, charitable contributions for
back to school drives, and organiz-
ing and matching charitable dona-
tions and GoFundMe campaigns for
local people such as those who need
critical surgeries, but lack the funds.
What will you do with your
freedom? v
The Sumroks: Live Free, Have Fun, pg. 38
Above: Brad and Jennifer infront of the largest Buddhastatue in the world at LantauIsland, Hong Kong.
Above: Brad and
Jennifer feeding an
elephant in Thailand.
Below: In Stone-
henge. Right: The
loving couple renew
their vows before
family and friends.
Above: Brad and Jennifer visiting and celebrating with Robert Kiyosaki,
founder of the Rich Dad Company, at his birthday party held on a cruise.
Above right: Extreme adventures on a glacier in Alaska.
Left: Fun times
with family is
the foundation
of the Sum-
rok lifestyle.
Peace out from
Alaska while
rafting with
Brad’s father
and Jennifer’s
mother.
ADVENTURES FROM
MULTIFAMILY INVESTORS

What’s it like to run a multi-million
dollar multifamily empire with proper-
ties around the country? The Sumrok’s
take you behind the scenes into their
busy, healthy, and fun-filled lives!
7 am - The Sumrok’s awake (to no alarm) after getting a
good night’s sleep. The active duo do not set alarms unless
they are catching a flight or have some other scheduled
voluntary activity. After awaking, they immediately start
drinking water.
7:15 am - Brad drinks coffee (yes, that is still one of his
vices) and Jen has tea while they discuss the upcoming day.
7:30 am - Drink up! Time for a vegan protein shake.
8 am - 9:30 am - The fit couple hit the gym religiously four
to five days per week! Workouts consist mostly of weight
training (about an hour) followed by abs, then 20 min of
high intensity cardio. A yoga day is added for flexibility.
When in their Florida home, they also enjoy running or
walking on the beach in the morning. While traveling, the
Sumrok’s do their best to maintain working out and choose
hotels with decent fitness centers and full-service restau-
rants. Their favorite U.S. chains are Fairmont, W, Four
Seasons and JW Marriott.
10 am - Breakfast (either made at their home or in a local
restaurant that specializes in paleo/organic foods). Brad
and Jen’s favorite is the “hash bowl” (diced sweet potatoes,
onions with scrambled egg whites and grilled chicken). Jen
doesn’t eat meat so she has hers with eggs, avocado, quinoa
and kale.
11 am - 5 pm - This time is usually spent supporting stu-
dents with coaching calls and reviewing deals, working on
their business (planning events,
prepping for speaking engage-
ments, growing the business,
and meeting and supporting
Sumrok team members). They
also replying to emails and
phone calls.
1 pm - Lunchtime. Brad usually
chooses prepared foods from
places like MyFitFoods or Snap
Kitchen in Dallas, or FitLife
Foods when in the Tampa Bay
area. They also frequent Whole Foods and eat from the salad
bar or hot bar.
6 pm - Dinner time. They either dine on prepared foods,
cook dinner or eat out in local restaurants that offer healthy/
organic dining options.
7 pm -11 pm - Time to relax, read, debrief the days activ-
ities, discuss plans for the next day/week. They also enjoy
Face-Timing with family and staying connected with them.
They catch up on emails and listen to voice-mails from the
day. Sometimes they work on the business. Occasionally,
they watch a movie on AppleTV. They don’t do sitcoms or
watch the news. When in their Florida home, they also get
together regularly with Jen’s family in the evenings.
9 pm - Usually they have some sort of
low-carb snack like non-fat Greek Style
yogurt or a vegan protein shake.
11 pm - The health-conscious couple are
usually in bed early. Of course they are not
always like his 24/7/365. They enjoy eat-
ing out a lot and their favorites are Italian
food, Thai, Indian and Mediterranean. Piz-
za and red wine is their typical “splurge”
meal. Due to our travel schedule, they do
their best to choose healthy options.
HEALTH+- A Day in the Life of Brad and Jennifer Sumrok -
Realty411Guide.com
PAGE 40 • 2017 reWEALTHmag.com
Workout time with their personal trainer, Robert Terry.

“TheSecrettoLivingisGiving.”-TonyRobbins
Brad and Jennifer Sumrok
backstage with their mentor,
Tony Robbins.

F
or the leveraged investor,
today’s financial tools
will continue to provide
predictable, stable, and
secure double-digit returns for the
foreseeable future.
In an attempt to put this positive
outlook in perspective, let’s con-
sider four critical topics. This will
help confirm, bring caution, or even
deny our opening statement.
• Dodd-Frank, CFPB
and Government Restrictions
• Lending TRID &
Non-TRID Leverage
• Interest Rates
• Non-TRID Lending
The Dodd-Frank financial reform
created a new layer of government
oversight called the “Consumer
Finance Protection Bureau” or
CFPB. It was signed into existence
by former President Obama, as a
solution to the financial crisis of
2008. It took full effect in 2013.
Will it be changed anytime soon?
Not likely, though promised. Keep
in mind, Congress seldom “undoes”
what it has done and an executive
order is pointless.
Let’s be clear, the after shocks
of 2008 brought about a significant
shift within the lending industry.
In effect, it made “protection” of
the public, a top priority. This was
quite a shift from the traditional
viewpoint of lending, one based
upon risk-taking and risk aversion.
Further it locked into place, barriers
to lending, which could not be ex-
plained away by sound reasoning and
good explanation. The pendulum
had swung. Yet in response, a dual
market for financing was created to
meet demand.
Let’s develop this. Most Investors
of “1 -4 units”, understand 30-year
fixed rate mortgages and the rule of
10 financed properties. Most know
this market now falls under the new
“TRID” rules, or just for fun, TILA
RESPA Integrated Disclosures.
What is little known, is the plethora
of “NON-TRID” lenders. Why so?
Because TRID technically, is only
for owner-occupied. Yet to keep
lives simple, most lending portals
now include non-owner, 1 to 4 units.
A healthy way to assure liquidity in
this market.
Beyond this, a number of lenders
are providing mortgages for rental
units, but ones based upon a modified
set of rules. Though these rules are
guided by Federal oversight, they are
not as restrictive. Hence the num-
ber of leveraged properties is more
flexible and required levels of cash
reserves are less stringent.
Bottom line: Markets adapt to con-
sumer demand and lending options
are available.
What about interest rates? Truly
a favorite topic of mine. After 35
plus years of success in real estate,
driven by ever trending lower rates,
we maybe on the verge of a season
of rising rates. Should this concern
us? My answer is: “No.”. Why so?
Because rates are but one component
of overall market fundamentals. Fur-
ther, rates tend to rise in response
to a growing economy, one where
wages, property appreciation, and
rents are showing real signs of last-
ing strength.
Thus the key to success, is not
rates alone, but instead “locking”
in a lending rate below the “cap
rate” of the investment. This is the
disciple able to push one’s “re-
turn-on-capital” into the mid-teens.
Often in history, the time to in-
vest or shift one’s portfolio, is when
rates first begin to rise; when wage
growth and increasing property
values exceed changes in rates and
inflation. Now seems a good time.
With this, is the growing aware-
ness that today’s interest rates take
into account more than just finan-
cial fundamentals. They also con-
sider the overall economic, social,
and political stability of Europe, the
Mideast, Russia, China, and else
where.
This uncertainty may help ex-
plains why US rates did not start
increasing in 2014, even though
GROWTH
with Leverageby Michael Ryan
Continued on pg. 97

Discover the All NEW BREIA /
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Learn about the only mentor
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What are the 3 reasons why you
should choose a local mentor?
Real Estate investing has become
one of the most popular ways to get
out of the 9-to-5 lifestyle and become
financially free. Have you ever heard
the saying: There are more self-made
millionaires through real estate than all other
industries combined? Since the explosion
of popular television programming based on
people making a lot of money flipping real
estate, there are even more people today that
are trying and succeeding in the business.
Part of the reason for this, and based on
the popularity of these television shows, is the
fact there are more so called “gurus” or “men-
tors” for real estate investing than ever! Every
time you get on Facebook or YouTube, there
is an advertisement for someone that wants to
teach you how to become rich flipping proper-
ties using their “system”.
The biggest challenges for these national
mentors and their “systems”, are also the rea-
sons why you should choose a local mentor!
HERE ARE THE 3 REASONS WHY YOU SHOULD
CHOOSE A LOCAL MENTOR...
1.) YOUR MENTOR HAS
TO BE ACCESSIBLE!
When learning any trade, it is almost impossible to
not have any hands on training involved in the process.
This is especially true for Real Estate investing. Your
mentor has to be able to show you the ropes firsthand.
It is truly more of an apprenticeship than mentoring.
Many of those involved with a national mentor com-
plain of not being able to actually contact their mentor
with questions.
More importantly, when it comes time to put a prop-
erty in contract to flip for a profit, their mentor is not
there to help them negotiate the deal and sell the prop-
erty. Even if the national mentor program assigns you
to an investor in your state, there is not much guaran-
teeing that they will be any more accessible.
2.) YOUR MENTOR HAS TO HAVE
EXPERIENCE IN YOUR MARKET!
If you are going to flip houses in Houston Texas,
don’t you think it would make sense to have a mentor
that actually flips houses in Houston? Of course it >

makes more sense! The South Florida market is
very different than other markets. There are some
general characteristics and basic principles that
are the same no matter where you are flipping
houses, but not enough to lead you down the path
of success.
Even some of the small details, like how the
City of Miami Gardens requires a new Certificate
of Occupancy issued when you buy the house.
This process is determined by Code Enforcement
performing an inspection of the property.
If the house fails the inspection, you cannot
purchase the property to flip it so you potentially
just lost your profit. There are different rules and
regulations imposed by different city and
county governing bodies.
There are different contracts that are
used in different states. There are even
different cultures that exist as microcosms
within a city or state that can mandate
how one is received by sellers and buy-
ers. If your mentor doesn’t know their way
around, they cannot guide you!
3.) YOUR MENTOR
HAS TO HAVE A
FUNCTIONING NETWORK!
If someone has the necessary expe-
rience and knowledge to mentor you,
then they will have all the connections
you need to eventually build your own team. From
contractors, to real estate attorneys, to trusted title
companies, you will need trusted experts in your
area. As they say: It is all in who you know!
The Broward Real Estate Investors Association,
in conjunction with the Miami Dade REIA, has one
of the most successful mentor programs in the
country…. but they only mentor students one-on-
one in their market.
The owners, Ryan Kuhlman and Anish Dave,
as well as their Director Antonio Lopez are not just
out in their market teaching how to flip houses,
they are a team of highly successful wholesale
investors and rehabbers that have been in the
South Florida market for about 20 years!
The BREIA headquarters is not only where
daily one-on-one coaching sessions are given,
but there is also a large classroom for the stu-
dent support classes that range from marketing
strategies to roll playing sessions to learn how to
actually talk to sellers.
There are even classes given by some of the
corporate members of BREIA like the HUD class
and how to do a proper closing when selling a
property. Both the Broward REIA and the Miami
Dade REIA are accredited chapters of the Nation-
al REIA.
They are the only members of the National
REIA in South Florida, and with the collective ef-
fort of the NREIA’s 155,000 members nationwide,
the BREIA mentor students have more knowledge
and experience available to them then they will
ever need.
So be wise when making a commitment to any
mentor. Get out your checklist and don’t be afraid
to put the mentor to the test. Anyone that fails
or doesn’t feel comfortable with you questioning
them is probably not confident about what they
can teach you. v
TheBrowardRealEstateInvestorsAssociation,inconjunctionwiththeMiami
DadeREIA,hasoneofthemostsuccessfulmentorprogramsinthecountry…

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in Search of the
B EST MARKETS
with Marco Santarelli
NORADAREALESTATE
INVESTMENTS

T
o Marco Santarelli, founder of the Cali-
fornia-based Norada Real Estate Invest-
ments and host of the popular “Passive
Real Estate Investing” podcast, true
wealth is not just about finances.
Wealth is “a measure of time, not money,” Santar-
elli said during a recent email interview.
Santarelli made his first real estate investment at
age 18, and founded Norada in January 2014.
“Norada has been a major force in putting ‘turn-
key’ real estate investing on the map,” Santarelli said.
“Investors looking for help and guidance seek our ser-
vices when they want to invest without doing all the
heavy lifting. They often lack the time to go it alone
and assemble a trustworthy team to work with. We’ve
done all that for them.”
One of the benefits of working with Santarelli and
his team is that they are “market agnostic,” he said.
“We are not married to any specific market. In fact,
we’re not married to anything—including builders,
rehabbers, property managers, lenders, inspectors,
etc.”
“This is a huge benefit to investors because we
only make recommendations based on their financial
goals and investment criteria.”
All members of Norada’s staff are real estate in-
vestors who want to help people succeed, Santarelli
added.
“I love that I can help hundreds of people cre-
ate true wealth, which for me is financial freedom
that provides time freedom — our most precious
commodity. I don’t have to do what I do, but I do it
because I love real estate and I love helping people
achieve what I’ve been able to achieve in a few short
years.” Santarelli hopes to help save others time,
money and avoid pitfalls.
“The wealth formula is simple, but having the right
process will save time and avoid costly mistakes,
which I’ve made long ago. When we can show others
how to create wealth and lifelong passive income, that
is truly a winning formula that provides generational
wealth.”
Major influences behind Santarelli’s personal and
professional success are not necessarily formal men-
tors, but the many real estate, business, finance, and
personal development books he’s read over the years.
Two of the books that helped him the most are Tony
Robbins’ “Personal Power” and Napoleon Hill’s
“Think and Grow Rich.”
If Santarelli could give only one piece of advice to
beginners in real estate investing, it would be for them
to educate themselves as much as possible.
“Knowledge is the new currency,” he said. “It’s my
first rule of successful real estate investing.”
Additional advice would be to work with pro-
fessionals to avoid common pitfalls, such as only
investing in one’s geographic backyard (i.e. your local
market).
“Nothing is further from the truth,” Santarelli said.
“The greatest hurdle people have when investing
out-of-state is their mindset and psychology. It’s no
different than investing in Coca-Cola stock knowing
their head office is in Atlanta and you live in San
Diego.”
“Once you get started and purchase a few prop-
erties, you’ll realize that you never have to visit it
physically. Everything is done through your team and
especially your local property managers.”
“Invest your cash where it generates the greatest
returns for you. This is particularly true for those
NORADAREALESTATEYourPremierSourceforTurnkey,
Cash-FlowInvestmentPropertyBY STEPHANIE MOJICA

living in more expensive markets such as those along
the U.S. coast. Out-of-state rental properties are the
only real solution for many investors in order to see
favorable cash-on-cash returns.”
Santarelli offers three additional pieces of advice
for investors, especially those just starting out.
1. Get started as early in life as you can.
2. Increase your income as soon as possible to
put towards investing.
3. The financial system is designed to work
against you, and real estate is one of the few
ways to beat the system.
To learn more about Marco Santarelli and Norada
Real Estate Investments, visit www.NoradaRealEstate.
com or www.PassiveRealEstateInvesting.com
Many free resources are available on Norada’s
website, including “10 Rules of Successful Real Estate
Investing” and “The Ultimate Guide to Passive Real
Estate Investing.”
Norada’s headquarters, in Laguna Niguel, Cali-
fornia, can also be reached during normal weekday
business hours by phone at (949) 218-6668 or (800)
611-3060.

W
hile Norada offers
information on a
variety of real es-
tate investment options, the
company is mostly “focused
on passive income-pro-
ducing turnkey real estate
investments.” These are new
or like new properties, that
have tenants in place and are
under professional manage-
ment.
Regarding the debate
about new versus exist-
ing properties, the firm’s
founder says “both can have
their advantages. We are
seeing more demand for new
properties. We are seeing
investors trend toward new
construction, and especially
new fourplexes, in growth
markets. They can offer
lower maintenance costs
now, and can be highly attractive to
tenants.”
Norada prides itself on being
“market agnostic.” In other words,
not simply promoting and push-
ing one product because it is the
only inventory they have or know.
They constantly analyze about 400
markets across the US and make
recommendations according to
current dynamics, emerging trends,
and individual investor goals and
resources.
One thing this real estate in-
vestment firm is notable for is its
diligence in monitoring service
providers for its clients. When it
comes to management, their philos-
ophy is that, “Full service property
management is a must. This is
something we take very seriously.
We are tough on our vendors. If they
are ever caught delivering poor or
slow communication, and aren’t up
to our constant service standards,
we make sure they are replaced. It’s
become very rare for our clients. But
it’s something we keep a close eye
on.”
Whether new builds or existing
rentals, these turnkey properties are
designed to deliver hands-free, truly
passive income, even if fully lev-
eraged, with potential for ongoing
equity appreciation. It is an ideal
strategy for any investor, including
those using self-directed IRAs or
401(k)s, as well as young profes-
sionals looking to get a head start
towards financial freedom.
WHERE TO INVEST NOW
Asked about his take on some of
the latest data, which shows some
challenges in markets like San Fran-
cisco, Marco tells us that “While
everyone has individual goals, and
what’s best for their portfolios may
be different, I’d never recommend
investing in San Fran or other ‘bub-
ble markets’. All real estate is local,
and that means looking at each local
economy when investing.”
HOWTOINVESTWISELY
Norada Real Estate has
transacted in the most
sought-after markets:
• Atlanta, GA – Ranked the #1
Rental Market in the US
• Birmingham, AL – Host of
the 2021 Word Games
• Charlotte, NC – 2nd Largest
Banking Center
• Chicago, IL – Over 50%
Renters
• Dallas, TX – Double-Digit
Appreciation Growth
• Fayetteville, AR – Fastest
Growing City in the State
• Houston, TX - #1 Job Market
in the United States
• Indianapolis, IN – Most
Affordable for Real Estate
[Forbes]
• Jacksonville, FL – Tech Job
Center
• Kansas City, MO – Below
Average Cost of Living
• Little Rock, AR – Best Place
to Live in America
• Memphis, TN – Non-Bubble
Market
• Palm Bay, FL – Top 10 City
for STEM Jobs [Forbes]
• Salt Lake City, UT – Low
Unemployment
• San Antonio, TX - #2 Recess-
ion Proof City [Forbes]
• Tampa, FL – 5th Hottest Real
Estate City in America
For more information about the “Passive
Real Estate Investing” podcast or to
pre-order Marco’s new book, visit www.
passiverealestateinvesting.com
by Tim Houghten

P R I VAT E
WINTER 2017
Sarah Montes
Money411Money411
TEXAS
PRIDE
LENDING
TEXAS
PRIDE
LENDING
FIND THE FUNDS
YOU NEED FOR
YOUR REAL ESTATE
TRANSACTIONS!
ISSUE #8 • 2017
PROVIDESRMLOSERVICESTOTEXASINVESTORS

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� Perfect finance solution for low home equity
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already cherish
� Kitchens, bathrooms, dormers, extensions, basements,
landscaping all eligible
� Rental/investor homes also eligible for HomeStyle financing
FHA 203(k) & Fannie Mae
HomeStyle Renovation Financing
HOME RENOVATION FINANCING
Create the Home of Your Dreams & Settle for Nothing Less
AfterBefore
AfterBefore
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CONTACT US TODAY!
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P R I VAT E
Money411
55 Secure Your Financial Future by Kaaren Hall
57 The Serious Club for Serious Investors
61 Comparing Sydications by Tom Wilson
66 Choosing the Right Coach and Mentor
68 Should Buyers Choose the Title Company?
74 What Social Media Marketing Statistics Reveal
77 Jimmy Reed Reveals Garage SALE Real Estate
81 FAST Funding... Up to 100% Funding for Deals
83 Attack and Get PAID - Training with Todd Dotson
CONTACT US:
805.693.1497 or
info@realty411guide.com
Be social, look for our updates
on Facebook, Twitter, LinkedIn,
Pinterest, Tumblr, Google+ & more!
Important Disclosures for Our Readers:
The information and presentations provided
herein do not constitute an offer or solicitation to
buy or sell securities or real estate. Please be
aware that real estate investing can be risky. Re-
alty411, the publisher of Private Money411, is not
responsible for any information provided and/or
statistical data presented, and does not reflect the
opinions, advice or research by us. Readers are
100% responsible for their due diligence, for all
investment information and for all decisions with
respect to any potential investment or transaction.
Publisher recommends readers seek the advice
of a trusted attorney, broker, CPA and/or financial
adviser before investing.
CONTENTS
*LEARN FROM FOUR HGTV REHAB STARS LIVE! See pages 70-71.
pg.
61
pg. 68
pg.
66
Above: Sarah Montes on the cover of Private Money411.
Sarah and her team operate Texas Pride Lending, read
more about this innovative company (page 72), which
provides RMLO services to real estate investors in Texas.

by Kaaren Hall
Investing in Real
Estate Through
Self-Directed IRAs
D
o you have a 401(k) with a previous
employer or an IRA? Are these accounts
invested in stock market assets? Most
retirement accounts are invested in stocks,
bonds and mutual funds however the Self-Directed
IRA lets you invest outside the stock market.
For over 40 years you have been able to invest your
retirement dollars into assets like real estate and most
people don’t know about it. In fact there is about $24
Trillion in US retirement accounts. Only 3-4% of
that amount is invested in what’s called “alternative
assets”.
When you think about building a retirement for
yourself consider the Self-Directed IRA. When it
comes to investing in Real Estate, the Self-Directed
IRA allows many ways to do this:
• Residential real estate, including: apartments,
single family homes, and duplexes >
SECURE YOUR FUTURE:

Right now and for the next decade ten thousand
baby boomers will reach age 65 every day! The
average account value for Americans 55 to 64 years
old is $103,000. You have to ask yourself is that
going to be enough to sustain you through your
retirement years?
Many people, like Joe, are enjoying the tax-de-
ferred or tax-free benefits of using their IRAs and
401(k)s to secure a better financial future.
So how do they do it? Self-Directing your retire-
ment is a 3-step process to:
1) OPEN AN ACCOUNT
2) FUND THAT ACCOUNT AND THEN
3) INVEST
We have helped thousands and we can help you
accomplish your self-directed retirement goals at
uDirect IRA Services. v
ABOUT KARREN HALL:
After 20+ years of experience at Bank of America,
Indymac Bank and her own mortgage brokerage ex-
perience, Kaaren Hall saw the recession take hold
and the mortgage market collapse.
Rather than folding up her tent, Hall took her
real estate and finance knowledge in a promising
new direction – self-directed IRAs. Hall has helped
thousands of Americans invest their IRA into real
estate, notes and other assets outside of the stock
market to improve their financial future.
Now, Hall is a passionate educator and facili-
tator for better retirement through highly diversi-
fied and individually controlled IRAs. She shares
her expertise with investors and advisors through
speaking engagements, online videos and a weekly
newsletter.
•Commercial real estate
•Undeveloped or raw land
•REITs (Real Estate Investment Trusts)
•Real estate notes (mortgages and deeds of trusts)
•Promissory notes
•Private limited partnerships, limited liability
companies, and C corporations
•Tax lien certificates
Take Joe for example. Joe retired from his em-
ployer at the age of 50. It was a forced retirement
because the company was restructuring. He spent 20
years at his previous employer putting aside 15% of
his annual earnings. Now that he was “retired” Joe
decided to become a real estate agent.
He noticed his own IRA was losing money and
putting this money into a self-directed IRA was
something that made sense to him. Joe says, “It gave
a monthly boost to my IRA account through the rent
money. Plus it gave me equity growth. As a self-em-
ployed person, it has given me a small glimpse of
security into my retirement age. Whenever that will
be.”
Get Started Today!
www.LimaOneCapital.com
1-800-390-4212
NMLS ID# 1324403
Rates as Low as 7.99%
90% of Purchase and Rehab
Purchase or Refinance
Single Properties and Portfolios
Purchase or Refinance 5+ Units
Rehab Funds Included

NETWORKING
D
on’t be fooled by the
thrill-seeking location.
The Las Vegas Invest-
ment Club (LVIC) is a
group of serious investors who
engage in national opportunities,
and certainly don’t gamble with
their money.
The LVIC meets regularly in
San Diego, California, and Las
Vegas, Nevada, bringing togeth-
er sophisticated investors and
thoroughly vetted and carefully
managed investment opportuni-
ties.
AN ATTRACTIVE
ALTERNATIVE
The LVIC was conceived as
an alternative to the tradition-
al financial services route,
which has seen repeated abus-
es of consumers and investors over the last decade(s). The alternative pre-
sented is one designed to empower individuals with an educational program
in order to enable a superior understanding of what they are investing in.
The group’s performance, high-level information, and savvy management
has investors flying in each month — even from as far as away as Alas-
ka. This certainly says something about the value members feel they are
getting.
Monthly meetings are held at the Orleans Hotel in Las Vegas and at
the Mission Valley Hyatt in San Diego. The meetings include prominent
economists and financial analysts as guest speakers, followed by reviews of
the current LVIC portfolio as well as analysis on specific investments under
consideration for the future. Each investor has the choice to opt-in or out of
any individual investment. In addition to monthly club meetings there are
special events, as well as the annual two day LVIC, ‘EconoSummit.’ Recent
club speakers include: Federal Reserve senior economist, Bill A. Strauss,
The Club for
SERIOUSINVESTORS
byTimHoughten

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